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Ronak's Group
In this Group: Ronak, Narmin
Ronak is a member of this group from Iraq. Ronak is 53 years old, married and has two children. She is a primary school teacher with 27 years of experience in this job. Ronak has a smart 23-year-old son named Sherko. He always get high grades in school.

The family lived in Baghdad, but as a result of the violence, bombing and death there, the family ran away to the north and became IDP's and lost everything including dropping out of school to pay for their basic needs. Ronak felt terrible because she knew that her son's education is his weapon to have a decent chance of a better future but at the same time her salary and additional expenses as a result of becoming an IDP were not enough to pay for her son’s education.

The family faced a problem of making ends meet at the beginning of the school year for the additional expenses that are needed to cover the children's fees, school uniforms and books. With this loan now they can accommodate all these expenses. Sherko's vision is to complete his college education and work to help his IDP family. The story of Sherko is just one of the many examples of Izdiharona for economic development clients that are able to get a better education.

Both of the borrowers in this group are taking the loan to pay for their son's education. They prefer to have their face altered for cultural reasons.

Additional Information

More information about this loan

This loan is part of Izdiharona's education program, designed to finance school tuition and other expenses for primary and secondary school students whose families have low incomes. Funds can be used for partial or complete payment of school expenses. By supporting this loan, you're enabling access to education for students with limited options.

About Izdiharona for Economic Development

Izdiharona for Economic Development (Izdiharona) is a nonprofit organization in Iraq that provides financial assistance to small and medium enterprises in need of capital so they can develop their businesses and train their staff. Founded in 2008, it currently operates ten branch offices throughout Iraq in the provinces of Baghdad, Babil, Basra, Karbala, Messan, Sulaymaniyah and more. Kiva lenders’ funds are used to provide education, startup, green, and youth loans, as well as interest free loans to the ultra poor and loans that support income generating projects for women.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About Iraq

  • $7,100
    Average annual income
  • 0
    View loans »
    Iraq Loans Fundraising
  • $9,342,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Ronak's Group's $4,200 loan helped a member to pay for her son’s education.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 5, 2013
Sep 22, 2013
Currency Exchange Loss:
Oct 17, 2014